Istarska kreditna banka Umag d.d. (ZSE:IKBA)

ZSE:IKBA Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	10.35	42.52	39.59	269.13	209.74	130.93
Investment Securities	103.4	94.21	84.53	112.9	63.07	85.96
Trading Asset Securities	-	0.22	0.26	0.25	0.24	0.23
Total Investments	103.4	94.43	84.79	113.15	63.3	86.19
Gross Loans	383.65	379.73	377.87	331	304.37	283.73
Allowance for Loan Losses	-	-19.41	-23.23	-20.46	-22.74	-23.28
Net Loans	383.65	360.31	354.64	310.54	281.63	260.45
Property, Plant & Equipment	4.19	3.92	4.14	4.7	4.75	5.07
Other Intangible Assets	0.17	0.2	0.18	0.17	0.35	0.3
Investments in Real Estate	-	0.02	0.04	0.29	1.6	1.57
Other Receivables	0.21	0.25	0.25	0.21	0.18	0.22
Restricted Cash	295.54	284.14	261.16	2.35	28.45	24.7
Other Current Assets	-	0.43	0.13	0.11	0.15	0.13
Long-Term Deferred Tax Assets	-	0.21	0.19	0.19	0.16	0.16
Other Real Estate Owned & Foreclosed	-	0.75	0.56	0.68	0.83	0.83
Other Long-Term Assets	0.99	0.17	0.16	0.05	0.16	0.15
Total Assets	798.5	787.35	745.83	701.56	591.31	510.71
Accounts Payable	-	0.43	0.53	0.65	0.31	0.57
Accrued Expenses	-	1.34	1.21	1.04	0.81	0.78
Interest Bearing Deposits	716.76	703.85	670.74	635.47	527.8	454.87
Total Deposits	716.76	703.85	670.74	635.47	527.8	454.87
Current Portion of Long-Term Debt	-	-	-	1.01	0.3	2.11
Current Portion of Leases	-	0.05	0.03	0.06	0.05	0.05
Current Income Taxes Payable	0.24	0.65	1.34	0.18	0.18	0.01
Other Current Liabilities	-	0.44	0.76	0.44	0.34	0.53
Long-Term Debt	-	4.98	5.89	6.75	9.91	3.65
Long-Term Leases	-	0.08	0.07	0.14	0.08	0.11
Other Long-Term Liabilities	2.84	0.31	0.73	0.84	0.23	0.31
Total Liabilities	719.83	712.14	681.29	646.58	540.01	462.98
Common Stock	21.61	21.61	21.61	21.61	21.66	21.56
Additional Paid-In Capital	0.02	0.02	0.02	0.02	0.02	0.02
Retained Earnings	52.1	53.59	42.98	33.43	29.57	26.07
Comprehensive Income & Other	4.94	-0.01	-0.07	-0.09	0.04	0.07
Shareholders' Equity	78.67	75.22	64.54	54.98	51.29	47.72
Total Liabilities & Equity	798.5	787.35	745.83	701.56	591.31	510.71
Total Debt	-	5.11	5.99	7.96	10.35	5.92
Net Cash (Debt)	18.74	37.64	33.86	261.42	199.64	125.24
Net Cash Growth	88.79%	11.15%	-87.05%	30.95%	59.40%	30.56%
Net Cash Per Share	126.64	254.30	228.78	1766.33	1348.89	846.25
Filing Date Shares Outstanding	0.15	0.15	0.15	0.15	0.15	0.15
Total Common Shares Outstanding	0.15	0.15	0.15	0.15	0.15	0.15
Book Value Per Share	531.52	508.22	436.05	371.46	346.57	322.45
Tangible Book Value	78.49	75.02	64.36	54.81	50.94	47.42
Tangible Book Value Per Share	530.36	506.89	434.84	370.30	344.22	320.44

Updated Feb 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.